EFT file formats

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ATB Online Business Electronic Funds Transfer (EFT) Service User Guide

ATB Online Business

Contents 5 What you need to know about ATB’s EFT Service 5 Funding EFT files 5 Liquidity limit 7 Exchange date funding 7 Limits 7 File limits 8 Limits and currencies 8 Workflow approval setup 10 Workflow approval 12 EFT return alert 12 Creating the alert 14 Subscribing to the alert 15 User procedures 15 Managing EFTs 15 Create an EFT file manually in ATB Online Business 16 Create an EFT file from a template in ATB Online Business 17 Create an EFT file using ATB’s EFT Editor 17 Import an EFT file 22 View imported EFT files 23 Edit an EFT file 24 Release an EFT file 26 Workflow approval 28 Delete an EFT file 28 View pending EFT files 29 View EFT file history 30 Download an EFT file 31 Recall an EFT 34 Trace or reverse an EFT item or file 34 View EFT returns or notices of change 37 Manual representment 37 Automatic representment 38 Managing receivers 38 Add a receiver 39 Edit a receiver 39 Delete a receiver 40 Managing templates 40 Add a template 41 Edit a template

User Guide—Electronic Funds Transfer (EFT) Service

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42 42

Add a transaction to an existing EFT template Delete a template

43 Administrator procedures 43 Authorizing a role for ATB’s EFT Service 44 Contact us 45 Appendix A—EFT file formats 45 CPA 1464 byte file format 45 1464 byte logical record types in detail 48 96 byte file format 49 96 byte logical record types in detail 51 ATB CSV file format 53 Appendix B—EFT file validations 53 CPA 1464 byte file validations 56 ATB 96 byte file validations 58 ATB CSV file validations 59 Appendix C—EFT file and item status 61 Appendix D—CPA transaction codes 66 Appendix E—Julian calendar dates 68 Appendix F—data element dictionary 73 Appendix G—file reject and return reasons 76 Appendix H—how to read a cheque 77 Appendix I—pre-authorized debits 79 Appendix J—file types and receiver types


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What you need to know about ATB’s EFT Service ATB’s Electronic Funds Transfer (EFT) Service lets you electronically debit or credit Canadian dollar (CAD) and US dollar (USD) accounts at any financial institution in Canada. As an easy-to-use alternative to cheques and wire payments, ATB’s EFT Service is a powerful tool for executing payables and receivables within Canada. There are three basic ways to use ATB’s EFT Service: • Create an EFT file within ATB Online Business. • Import an EFT file created by your own system or software. Please see Appendix B for file details. • Import an EFT file created by ATB’s EFT Editor, our own stand-alone application. It’s your decision as to which file format and process works best for your business. ATB highly recommends using the Canadian Payments Association’s (CPA) standard 1464 byte file format. Once the file has been created in or imported into ATB Online Business, you will release the prepared file into workflow. After any necessary approvals, ATB Financial processes the credits and debits contained in the file. ATB Online Business also offers email alerts with its EFT service. Email alerts are designed to enhance the value of using the EFT service. The following alerts are available: • Approval alert This feature allows subscribed users to be notified by email if an EFT file has been released in ATB Online Business, but requires one or more approvals from an ATB Online Business user(s) prior to ATB processing the file. • EFT Return alert This feature allows subscribed users to be notified by email once an EFT item has been returned and posted to the account. This alert rule must be set up by the administrator before a user can subscribe. Contact us: • Business & Agriculture customers, call the E-Services Help Desk at 1-877-506-0040. • Corporate Financial Services clients, call Cash Management Support at 1-877-363-4855.

Funding EFT files ATB’s EFT Service offers two ways to govern the funding limits of credit items (outgoing EFT payments) for your EFT service: liquidity limit and exchange date funding.

Liquidity limit Your liquidity limit must be approved by ATB Financial. It is set in ATB’s internal system at the start of your EFT service. It defines a maximum total dollar amount for your company’s outgoing credit items for any given due date.


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The liquidity limit is by currency. This means there is one liquidity limit for CAD EFTs and one for USD EFTs. Your company’s liquidity limit applies collectively to all your company’s users. Any EFT files that exceed the available liquidity balance are rejected and must be released again. Please ensure you view the EFT History page 10 minutes after releasing the file to ATB for processing to check the status of the file. The liquidity limit is enforced two business days before your item’s due date and carries forward until two days after the due date. The amount carried forward is subsequently released at the end of the business day on the due date. Your available liquidity balance is replenished accordingly. In the event that a file or items from a file are recalled before the due date, your liquidity limit will be replenished for the amount of those items or that file. You can view your available liquidity balance in ATB Online Business on the Create EFT Payments page to see how much room, in both CAD and USD, remains per day. The default display is seven consecutive days, but you can look further ahead by clicking on the “Nexy 7 Days” link at the bottom of the page.


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Exchange date funding The exchange date funding option is for clients who don’t have a liquidity limit. A hold is placed on your EFT funding account equal to the value of the outbound credit items in your EFT file. This hold is placed up to three business days before the due date, and does not consider a revolving loan that might be attached to the funding account. If funds are not available when the hold is initiated, the file will be rejected. We recommend that you have funds available in your funding account before the file is uploaded for at least three business days before the due date. In the event that a file or items from a file are recalled before the due date, the hold will be released back to your available balance on the funding account. Holding funds affects the available balance on the funding account but doesn’t affect applicable interest calculations on your surplus funds.

Limits ATB Online Business uses a secure and intricate system of limits to govern EFT file transactions. Since EFTs allow the transfer of funds to any account in Canada, we use these limits to help manage risk. In creating and assigning roles that use the EFT service, your company’s administrator must consider all limits described below.

File limits ATB Online Business has two basic tiers of file limits: • Business-level limits are set in ATB’s internal system. These limits can only be accessed by authorized ATB team members and are set by ATB in consultation with your administrator. Businesslevel limits are the highest level limits within ATB Online Business and cannot be exceeded. • Role-level limits are set within ATB Online Business by your company’s administrator in the process of creating and managing roles. The administrator can place dollar limits on certain file types including salaries, mixed, payables and receivables. Each of the following limits is set separately at the business level and role level. • Debit file limit: The total maximum dollar amount of your debit transactions in one EFT file. • Debit daily limit: The total maximum dollar amount of your debit transactions for all EFT files in one business day. • Credit file limit: The total maximum dollar amount of your credit transactions in one EFT file. • Credit daily limit: The total maximum dollar amount of your credit transactions for all EFT files in one business day. If there is no limit set for a particular role, it defaults to the business-level limit.


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Limits and currencies In ATB Online Business, business-level and role-level limits are in the currency of the account funding the EFT. This means that if the funding account is in CAD, the limit’s in CAD. If the funding account is in USD, the limit’s in USD. Example: If the business-level limit’s $5,000, the company has a $5,000 CAD or $5,000 USD limit depending on the currency of the funding account. If a user’s role-level limit’s $1,000, the user can release a file with a maximum of $1,000 CAD or $1,000 USD, depending on the currency of the funding account. For daily limits, ATB Online Business calculates the total in either CAD or USD, based on the EFTfunding account currency, and compares that total to the limit. Having both CAD and USD EFTs effectively doubles your company’s daily file limit. Example: If the business-level daily limit’s $1 million, the company has a $1 million CAD daily limit and a $1 million USD daily limit. If a user’s role-level daily limit’s $1,000, the user has a $1,000 CAD daily limit and a $1,000 USD daily limit.

Workflow approval setup Access to workflow approval is granted by your company administrator when they set up a role. The role is then linked to a user with access to functionality within ATB Online Business and ATB’s EFT Service. To create a new role: 1. On the Administration tab menu, click Manage Roles. 2. Click Add a new role. 3. Type a name and a description for the role. 4. (Optional) To copy the entitlements associated with an existing role, which you can then edit, select a role from the Copy from Role list and click Copy.


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5. For each account in the Account Access table, select the accounts and/or services that you want users with this role to be able to access. You may select a service on an account without providing Banking Services access.

6. Click Next to go to the Role Details page.

7. Enter the limits, approval authorizations, and requirements for the services to which this role has access. (Please see the workflow approval section directly below for full details of limits and authorizations.) 8. Click Save Role.


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9. Verify the entitlements you have assigned to the role and click Save Role to confirm. You will see a message confirming that the role has been created successfully.

Workflow approval ATB Online Business supports your internal company workflow through a system of approvals. Each role has one of the following approval settings for each type of file (salaries, mixed, receivables and payables): • Deny: Any file that exceeds a specified dollar amount is denied. Any file below that dollar amount is allowed. Note: Once “Deny” is selected, the default dollar amount is set at $0. • No approval required: User doesn’t require any secondary approval and doesn’t have a file limit. The user is only subject to the business-level file and daily limits. • Single approval required: Any file that exceeds a specified dollar amount must be approved by one other user with approval rights. Any file below the specified dollar amount doesn’t require approval. Note: Once single approval is selected, the default dollar amount is set at $0. • Dual approval required: Any file that exceeds the specified dollar amount must be approved by two different users with approval rights. Any file below the specified dollar amount doesn’t require approval. Note: Once “Dual” approval is selected, the default dollar amount is set at $0. A user cannot approve a file that they have released into workflow or already approved. Also, EFT files must be approved within specific time limits. Any EFT file awaiting approval will expire 60 days after the file creation, which is the date the file was imported into or created in ATB Online Business.


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Example: Users at your company are assigned to roles with the following EFT limits and approval criteria: Role name: Daily limit: File limit: Approval:

EFTTester1 $500 $200 Single approval required

Role name: Daily limit: File limit: Approval:

EFTTester2 No approval required


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Dollar amount of file

Amount is

Result

$100

• Within daily limit of $500 • Within file limit of $200

No approval required

$300

• Within daily limit of $500 • Over file limit of $200

Single approval required

$600

• Over daily limit of $500


To see a step-by-step illustration of Workflow Approval, please refer to page 26.

EFT return alert As part of ATB’s EFT Service, your company can also use the EFT Alert Service. This service will send an email to all subscribed users of this an alert if an EFT return is posted to the account. There are two things to keep in mind with having EFT return alerts available to your users: • Your company administrator must add the alert rule to your ATB Online Business profile. • The user(s) that wish to receive the alert email must subscribe to the alert once it has been added.

Creating the alert 1. The alert rule must be added into ATB Online Business by your company administrator in the Create Alerts Rule section within the Administration Tab.


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2. Select the account that you’d like to associate with the EFT return rule.

3. Click Next. 4. Review the alert details and click Add Alert. 5. A confirmation message will appear.

For a detailed description on all alerts offered and the process to create, edit and delete alerts, please see the ATB Online Business Alerts Guide.


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Subscribing to the alert In order for a user to receive the EFT return alert, the user with the appropriate alerts entitlement must go to the Alerts Tab and subscribe. 1. On the Alerts tab click Add Alert.

2. Click EFT Returns. 3. Select the account for which you’d like to be notified.

4. Click Next. 5. Click Add Alert. For a detailed description for all alerts offered and the process to create, edit and delete alerts, please see the ATB Online Business Alerts Guide.


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User procedures Managing EFTs To use ATB’s EFT service, you will either create EFT files manually in ATB Online Business, or create them using your own software (or ATB’s EFT Editor) and import them into ATB Online Business. You will then release the prepared files into the ATB Online Business workflow approval. Each file can contain up to 50,000 credit and/or debit items, with all the information that ATB needs to process these items. We strongly recommend that we receive your file two days before the earliest transaction due date in the file in order to help you with any problems that arise. This does not include your internal workflow approval time you may require in order to submit your file to ATB. Minimum time required: CAD EFT files must be received by ATB before 12am MT the business day before the earliest transaction due date in the EFT file. USD EFT files must be received by ATB before 12am MST two business days before the earliest transaction due date in the EFT file.

Create an EFT file manually in ATB Online Business 1. On the EFT tab menu, click Create EFT.

2. In the File Type list, click Mixed, Salaries, Receivables or Payables. See Appendix J for more information on file types. 3. Click Create EFT File manually. 4. Check the liquidity balance to make sure that the credit items in the file you are creating won’t exceed the remaining balance available for each due date.


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5. Click Next.

6. In the EFT ID list, select the applicable EFT ID. 7. Enter the details for each credit and debit item you want to include in the file. You can use the Originator’s Sundry Information box to further identify your transactions (for example, by pay period, dividend issue or billing period). See Appendix D for a list of transaction types. 8. Do one of the following: • If the EFT file is complete and you want to release it into workflow, click Release. • If the EFT file is not complete and you want to make further additions or changes later, click Save EFT File.

Create an EFT file from a template in ATB Online Business In ATB Online Business, you can create, save and reuse templates for EFT files. This is a convenient option for EFT files that need to be sent out regularly with few changes. 1. On the EFT tab menu, click Create EFT. 2. In the File Type list, click Mixed, Salaries, Receivables or Payables. See Appendix J for more information on file types. 3. Click Create EFT File from a Template. 4. In the Select Template list, click the template you want to use. 5. Check the liquidity balance to make sure that the credit items in the file you are creating will not exceed the remaining balance available for each due date.


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6. Click Next. The information from the template you selected will be displayed.

7. Update the required fields for each payment: amount, due date and sundry data. Then do one of the following: • If the EFT file is complete and you want to release it into workflow, click Release. • If the EFT file is not complete and you want to make further additions or changes later on, click Save EFT File.

Create an EFT file using ATB’s EFT Editor For detailed instructions on this process, see the ATB Online Business EFT Editor User Guide.

Import an EFT file You can import an EFT file into ATB Online Business from files created using ATB’s EFT Editor or from your own software. Many different pieces of accounting and treasury software can create EFT files compatible with ATB Online Business. You’ll need to refer to your software’s user guide or contact your software vendor directly to confirm. You must create the file and save it to your computer before you import the file into ATB Online Business. The receiver name cannot include special characters. They will cause the import to fail. See Appendix A for more information about the different file formats used in ATB Online Business.


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To import a file: 1. On the EFT tab menu, click Import Files.

2. Click one of the following file formats: • 96-Byte if you created the file using ATB’s EFT Editor. • 1464-Byte if you created the file using your company’s software. • CSV if the file is a comma separated value file (commonly created using Excel). 3. If you want to add the receiver details from the imported file to your saved list of receivers in ATB Online Business, click Yes. 4. Click Browse to search your computer for the file you want to import, and then click Open. 5. Type a description of the file (for example, “Payroll”). 6. Click Import File. Note: If you are importing a CSV file, once the CSV file format is selected, a menu of field options will appear on the screen. Please ensure that the order of the fields correspond to the field positions in the file that is being imported.


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When importing EFT files, especially those with a large number of items, the user will see the following message:

Soon after, the message above will disappear and a blue status window will appear in the bottom right corner of the screen.

At this point, the user can safely navigate away from the EFT Import screen. The import will even proceed if the user signs out of their ATB Online Banking session. The blue status window will persist regardless of the actions of the user. If the session is terminated the successful completion of the import will be displayed when the user logs in again.


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Example: In the screenshot below, the user is viewing their Bill Payment History, and the EFT import status is still visible.

Once the import process is complete, the user will see a green confirmation window in the bottom right corner of the screen.

Clicking the View Details button will transfer you to the screen with all prepared EFT files that are ready to be released. Click the Close button to close the status window.


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If there are any errors during the import process, a red status window will appear in the bottom right corner.

Click View Error Details to see a list of errors for the file you were attempting to import. It is important to note that once you navigate away from this page, you cannot return. As a best practice, ATB strongly recommends capturing the information from this screen before navigating away. This can be done by clicking Print Preview in the top right corner, using a screen capture process or simply writing down the information.


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View imported EFT files To view imported files or to see whether a file was imported successfully: 1. On the EFT tab menu, click Imported Files. 2. Enter the EFT file ID (optional), the file status and the date range for the period you want to search. Then click Search.

3. In the EFT File column, click the number of the file you want to view. The file details will be displayed.

4. To view transactions in the file only for a specific employee, type the employee’s name and click Search.


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5. To download the file in CSV format, click Download.

6. If successful, your imported file will now appear in your Prepared Files tab awaiting your release into workflow approval. If no workflow approval is set up, the file will be submitted to ATB for processing as soon as it is released into workflow.

Edit an EFT file Prepared files are EFT files you’ve created or imported into ATB Online Business that are ready or almost ready to be released into workflow. You can edit prepared files and save the changes before release. 1. On the EFT tab menu, click Prepared Files.


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2. In the EFT File column, click the number of the file you want to edit. The file details will be displayed. 3. Do one or more of the following based on the changes you want:

• Click Edit EFT File Header. • Click Add Transaction. • Enter a default due date and click Apply & Save EFT File. • To edit or delete a specific transaction within the EFT file, click Edit or Delete in the Actions column. 4. When you have made all the required changes, do one of the following: • Click Save As Template. • If you want to save changes but not save the file as a template, click Save EFT File. • If you are ready to release the file into workflow, click Release EFT File.

Release an EFT file When you release a prepared file, it moves into the ATB Online Business workflow for approval. If no approval is required, the file is immediately submitted to ATB for processing. We strongly recommend that you ensure that any workflow approvals you set up for your EFT service deliver the EFT file to ATB two days before the earliest transaction due date in the file. This gives us the time we need to process the file and help you with any problems that arise. Always check the EFT History page for confirmation of successful actions. Here’s how: 1. On the EFT tab menu, click Prepared Files.


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2. Next to the EFT file number, click Release. • If no approval is required, the file will be submitted for processing. • If approval is required, the file will enter the approval workflow. Once it’s approved by the authorized user(s), it will be submitted for processing. To see the status of a file that requires a workflow approval, click Pending Files Summary on the EFT tab menu. Upon releasing an EFT file, you’ll see a confirmation message: “EFT File Number 1234 has been submitted for release. Please check EFT History to confirm file status.”

If you’re releasing a large EFT file, your file will appear in the EFT History with the status Submitted and no payment order number associated with it. Please check the EFT History page to ensure the system received your file and assigned a payment order number to it. Until the release is complete, the EFT History page will list the EFT file with the status Submitted and no payment order associated with it.


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As soon as the release is finalized, you’ll see the payment order value populate for the file you submitted on the EFT History page.

Workflow approval Any EFT file that’s released will be automatically placed into workflow approval before being submitted to ATB for processing. If no approval is required, it will be submitted to ATB for processing after 5–10 minutes. If additional approvals are required, subsequent authorized users will need to sign in to ATB Online Business to review and approve the file. Example A company’s administrator has created two roles and assigned a user to each role: Role name

Approver

Approval required

Daily limit*

File limit*

EFTTester1

Yes


$500

$200

EFTApprover1

Yes

No approval required

-

-

* A user assigned to a role with approve entitlement does not have a daily or file limit. 1. EFTTester1 releases an EFT file for $300. Based on EFTTester1’s role, this file will require additional approval since it’s over the role’s $200 file limit. EFTTester1 receives a message stating the file has been accepted and sent for approval.


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2. When the other user signs in to ATB Online Business they’ll see Item Awaiting Approval when viewing the ATB Online Business homepage and can click the link to view the file summary. Or, if they are already in the EFT module, EFT Approver1 can click directly on the Pending Files Summary link under the EFT tab.

3. If EFTApprover1 approves the file, the file is sent to ATB for review and processing. If EFTApprover1 rejects the file, the file is cancelled. Note: For dual approval, the same process applies except the approval needs to be received from two different users. As always, please check the EFT History page to ensure the successful processing of your EFT file. Note: The successful EFT file release status window will be presented to the user who initiated the release and not the approver. The status window will be presented in ATB Online Business in each session until it’s dismissed.


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Delete an EFT file 1. On the EFT tab menu, click Prepared Files. 2. In the EFT File column, click the number of the file you want to delete. 3. Click Delete EFT File.

View pending EFT files Pending files are EFT files that have been released but ATB has not yet started processing. This happens for two reasons: • The file exceeds a specified dollar limit for the user who released the file, so the file is awaiting approval from a user with approval entitlements. • The file was released into workflow between ATB internal system batches and will enter processing with the next batch in 5-10 minutes. When a file is no longer pending, you’ll be able to see its status on the EFT History page. To view a pending EFT file: 1. On the EFT tab menu, click Pending Files Summary.

2. If desired, customize the EFT files displayed by changing file type, funding account, originator or status to meet your requirements. 3. Click Search.


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View EFT file history The EFT History page displays all EFT files submitted by your company. This includes files that were successfully submitted to ATB for processing as well as files that were not processed for the following reasons: • Rejected from workflow approval • Approval time expired • File exceeded liquidity limit • File was recalled To view an EFT file history: 1. On the EFT tab menu, click EFT History. 2. You can limit the files that are displayed by type, funding account, originator or status. Note: The search defaults to displaying all the files that your company has created within the last 30 days, including today. 3. Click Search.

4. To see individual item details or to attempt to recall the file or specific items in the file, click the EFT ID of the file. 5. Once a particular EFT ID is selected, you can see the file status. If the file was rejected, you can see the reason(s) here.


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Download an EFT file The EFT History page displays all EFT files submitted by your company. You can also download each file in CSV format from here. To download an EFT file: 1. On the EFT tab menu, click EFT History. 2. Select the EFT ID on the specific file you want to download.

3. Click Download. A status pop-up will confirm the download progress.


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The pop-up will indicate when the data is ready to download.

4. Open or save the file per your browser settings.

Recall an EFT EFT files or items can be recalled if they have not yet been processed by ATB. For item recall: 1. On the EFT tab menu, click EFT History. 2. Click on the EFT File number that contains the item(s) you’d like to recall.


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3. In the View EFT File screen, select the item(s) you’d like to recall. 4. Click the Recall Button at the bottom of the page.

5. To confirm details of recalled item, click Not Now or Recall Items. 6. Confirmation of the recall will appear.


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For file recall: 1. On the EFT tab menu, click EFT History.

2. Click on the link of the EFT file you’d like to recall. 3. To confirm details of recalled file, click Not Now or Recall File.


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4. Confirmation of the recall will appear.

Trace or reverse an EFT item or file For trace or reversal requests, please contact ATB with the following information: • EFT ID • EFT payment order number (as displayed in ATB Online Business) • Due date of the specific transaction(s) • Name of the receiver of the payment(s) • Dollar amount of the payment(s) When you have this information in hand, contact us. • Business & Agriculture customers, call the E-Services Help Desk at 1-877-506-0040. • Corporate Financial Services clients, call Cash Management Support at 1-877-363-4855.

View EFT returns or notices of change An EFT item has the status of “returned” if the money was never received by the payee. You’ll also see the reason for the return. A notice of change (NOC) allows other financial institutions to inform you of changes to receiver account information (for example, if the branch or account number has changed). If we receive an NOC, you’ll see the old and new account information.


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To view returns or NOCs: 1. On the EFT tab menu, click Returns/NOC.

2. Enter your search parameters and click Search.

3. If you wish to see the details of a specific return click on the ID number for that return.


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4. If you would rather download your return details, click on Download.

5. A status pop-up will confirm when your download is ready.

6. Proceed to open or save the file per your preference.


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Manual representment The Canadian Payments Association (CPA) allows certain EFT pre-authorized debit returns to be represented within 30 days of the return date. If a return meets these criteria, the Represent button will be displayed on the corresponding EFT Return Details page. This button allows you to represent the EFT item for the same amount. You can only represent an item once. The representment criteria for an EFT item are: • Item must be a pre-authorized debit. • Return reason code must be non-sufficient funds (NSF) or funds not cleared (FNC). • Representment must occur within 30 days from return date. • Item must not have previously been represented.

Automatic representment This service is enrolled by selected EFTID and will schedule automatic representments for returns received as NSF and funds not cleared after the number of days you have selected. • Once enrolled, the scheduled date for the representment can be viewed on the EFT Returns Details screen.

• The representment can be canceled for an item by clicking the Cancel link located next to the AutoRepresentment Scheduled date on the EFT Returns Details screen. • If the representment is canceled, the item can be manually represented during the 30 day time frame. • To change the scheduled representment, please contact ATB. For more information or to sign up for this service, please contact ATB. • Business & Agriculture customers, please call the E-Service Help Desk at 1-877-506-0040. • Corporate Financial Services clients, please call Cash Management Support at 1-877-363-4855.


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Managing receivers In order to create an EFT file through ATB Online Business, you need to first Create Receivers in the Manage Receivers tab. The Manage Receivers tab allows you to change the details of the receivers that you created in ATB Online Business. You can add, edit and delete details about a receiver (name, bank account info, type of receiver, etc.). You’ll use this information when creating EFT files manually or when creating EFT templates.

Add a receiver 1. On the EFT tab menu, click Manage Receivers.

2. Click Add Receiver.

3. Fill in the receiver’s details. See Appendix J for information on receiver types. 4. Click Next. 5. Review the receiver’s details and click Add Receiver. 6. Finalize the action on the verification screen.


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Edit a receiver 1. On the EFT tab menu, click Manage Receivers. 2. Click the name of the receiver whose information you want to edit.

3. Update the information as required and click Next.

4. Review the changes and click Confirm.

Delete a receiver 1. On the EFT tab menu, click Manage Receivers. 2. Click the

symbol to the right of the receiver you want to delete.

3. Click Confirm to delete the receiver.


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Managing templates Templates allow you to save information for EFT files that you send out regularly with few changed details.

Add a template 1. On the EFT tab menu, click Maintain Templates. 2. Click Add a New Template.

3. Click the type of template you want to create (Salaries, Payables, Receivables or Mixed), and then click Next. See Appendix J for more information on file types.

4. Enter the template details. See Appendix D for a list of transaction types. 5. When the template is complete, click Save Template.


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Edit a template Within an existing template, you can edit the header, edit specific transactions, add a transaction and change dollar amounts. 1. On the EFT tab menu, click Maintain Templates.

2. In the Template Name column, click the template you want to view or edit.

3. Do one or more of the following to execute your desired changes: • Click Edit EFT File Header. • Click Add Transaction. (See the following procedure “Add a transaction to an existing template” for more detail.) • In the Amount column, type new dollar amounts. • To edit or delete a specific transaction in a template, click Edit or Delete in the Actions column. 4. When you have made all the desired changes, click Save Template.


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Add a transaction to an existing EFT template 1. On the EFT tab menu, click Maintain Templates. 2. In the Template Name column, click the template you want to view or edit. 3. Click Save Transaction.

4. Fill in the receiver and transaction details. See Appendix D for a list of transaction types. 5. Click Save Transaction.

Delete a template 1. On the EFT tab menu, click Maintain Templates. 2. Click the

symbol to the right of the template you want to delete.

3. Click Confirm to delete the template.


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Administrator procedures Authorizing a role for ATB’s EFT Service Note: For instructions on creating a role, see the Administrator User Guide. 1. On the Administration tab menu, click Manage Roles. 2. Click the role you want to authorize for EFT. 3. In the Account Access table, select the EFT and EFT Returns check boxes for the desired accounts.

4. Click Next to go to the Role Details screen.


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5. To allow this role to add, edit and delete receiver information, click the Maintain Receivers check box. 6. To allow this role to create or release specific types of EFTs, or to manage EFT templates, click the corresponding check box(es). 7. To allow this role to approve actions made by another user, click the Approve check box. 8. If you are allowing a role to approve EFT files, select one of the following options in the Approval column: • Deny: Any file that exceeds a specified dollar amount is denied. Any file below that dollar amount is allowed. • No Approval Required: User doesn’t require any secondary approval and will not have a file limit. The user is only limited by the business-level file and daily limits. • Single Approval Required: Any file that exceeds a specified dollar amount must be approved by one other user with approval rights. Any file below the specified dollar amount doesn’t require approval. • Dual Approval Required: Any file that exceeds the specified dollar amount must be approved by two different users with approval rights. Any file below the specified dollar amount doesn’t require approval. Note: If you leave the deny, single approval required, and dual approval required transaction limits at the $0 default, every transaction will require approval. If you leave the Transaction Limit box blank, the limit will default to the business-level limit. 9. Click Save Role.

Contact us If you have questions about your EFT service or ATB Online Business, we’re here to help! • Business & Agriculture customers, call the E-Services Help Desk at 1-877-506-0040. • Corporate Financial Services clients, call Cash Management Support at 1-877-363-4855.


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Appendix A—EFT file formats CPA 1464 byte file format The CPA (Canadian Payments Association) format for EFT is the standard format used by most financial institutions in Canada. ATB Financial has structured its EFT system to allow customers to use both CPA format and and ATB’s 96 byte format. If you’re using software other than ATB’s EFT Editor to create your files, they should be generated in CPA format.

Logical record types CPA 1464 format uses four record types: 1. Logical record type A—provides the file identification and control information and must be the first logical record in each file. 2. Logical record type C—records direct deposit credit data. 3. Logical record type D—records pre-authorized debit data. 4. Logical record type Z—provides control totals and must be the last logical record in each file.

Logical records composition All files must contain a logical record type A and a logical record type Z. Each type C or D record should contain the information necessary to describe one to six transactions. The space required to record the pertinent data for any one transaction must be contained in a single segment of a logical record. While a logical record may contain more than one segment, all segments in the record should have the same length and format. In a logical record where one or more of the segments is not needed, the unused segments should be initialized entirely to spaces. If a blank segment is encountered in a logical record, all subsequent segments in that same record must be left blank.

1464 byte logical record types in detail Logical record type A—header record The type A record must provide file identification and control information. The first logical record in each file must be type A, and this type must not occur again within the file. All data elements are mandatory and must be valid, or the file will be rejected.


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Logical record type A—header record Data element

Character Data position element size

Contents

Format

1

1

1

A

Alphanumeric Logical record type ID

2

2–10

9

000000001

Numeric

3

11–20

10

21990EEEEE Alphanumeric Originators ID (21990 = ATB Data Centre, E = EFT ID number)

4

21–24

4

Numeric

File creation number (fixed length, right justified with leading zeros)

5

25–30

6

Numeric

Creation date (Julian calendar)

6

31–35

5

Numeric

Destination data centre (fixed length, right justified with leading zeros)

7

36–55

20

Alphanumeric Space filled

8

56–58

3

Alphanumeric Currency code indicator (CAD or USD)

9

59–1464

1406


21990

Data element name

Logical record count (fixed length, right justified with leading zeros)

Logical record type C—detail record The type C logical record provides direct deposit data. Each record contains record identification (bytes 1-24) and a maximum of six transaction segments. Each segment describes one direct deposit item (240 bytes each).

Logical record type D—detail record Type D logical record provides pre-authorized debit data. Each record contains record identification (bytes 1-24) and a maximum of six transaction segments. Each segment describes one pre-authorized debit item (240 bytes each). Logical record type C and D—detail records Data element


Contents

Format

1

1

1

C or D


2

2–10

9

3

11–24

14

Numeric

Data element name


21990EEEEEFFF Alphanumeric Origination control data (21990=ATB Data Centre, E=EFT ID number, F=file creation number)


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4

25–27

3

Numeric

Transaction type (CPA code, fixed length)

5

28–37

10

Numeric

Amount (two implied decimals, fixed length, right justified with leading zeros)

6

38–43

6

Numeric

Date funds to be available (Julian calendar)

7

44–52

9

Numeric

Payer/payee institutional ID number (I=institution number, T=transit number)(fixed length)

8

53–64

12

9

65–86

22

219921990FFFF EEEEEIIII

Numeric

Item trace number (2199=direct clearer ID, 21990=ATB Data Centre, F=file creation number, E=EFT ID number I—sequential, number of items in file)(zero filled, fixed length)

10

87–89

3

000

Numeric

Stored transaction type (zero filled, fixed length)

11

90–104

15

Alphanumeric Originators short name (left Originator’s, remainder is space filled)

12

105–134

30

Alphanumeric Payor/payee name (left justified, remainder is space filled)

13

135–164

30

Alphanumeric Originator’s long name (left justified, remainder is space filled)

14

165–174

10

Alphanumeric Originating direct clearer’s user ID (space filled)

15

175–193

19

Alphanumeric Originator’s cross reference number (left justified, remainder is space filled)

16

194–202

9

17

203–214

12

Alphanumeric Account number for returns (left justified, remainder is space filled)

18

215–229

15

Alphanumeric Originator’s sundry information (left justified, remainder is space filled)

19

230–251

22


20

252–253

2

Alphanumeric Originator direct clearer settlement code (space filled)

0IIITTTTT

Alphanumeric Payor/payee account number (left justified, remainder is space filled)

0219TTTTT


Numeric

Institutional ID number for returns (T=transit numer)(fixed length)

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21

254–264*

11

00000000000

Numeric

Invalid data element id (zero filled, fixed length)

*Segments 2 though 6 (same format as Segment 1). • Element numbers 4–21 above are repeated for each additional segment. The file contains five further deposit segments of 240 bytes each. • Any unused segments, resulting from non-use of a full record, are to be space filled. A segment containing data may not follow a blank segment within the same record. • Each segment within a detail record must contain the same logical record type ID (C or D). 265–1464

Can contain up to five more segments. Any unused portion must be space filled.

Logical record type Z—trailer record The type Z logical record provides control totals independent of those contained in external labels. The last logical record in each data file must be type Z. Logical record type Z—trailer record Data element


Contents

Format

1

1

1

Z


2

2–10

9

3

11–24

14

4

25–38

14

Numeric

Total value of debit transactions (two implied decimals, fixed length, right justified with leading zeros)

5

39–46

8

Numeric

Total number of debit transactions (fixed length, right justified with leading zeros)

6

47–60

14

Numeric

Total value of credit transactions (two implied decimals, fixed length, right justified with leading zeros)

7

61–68

8

Numeric

Total number of credit transactions (fixed length, right justified with leading zeros)

8

69–1464

1396


Numeric

Data element name


21990EEEEEFFFF Alphanumeric Originators ID (21990 = ATB Data Centre, E=EFT ID number, F=file creation number)


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96 byte file format ATB Financial has developed a 96 byte format for EFTs which is a simplified version of the CPA format. The information below is listed as it appears in your file. ATB has created an EFT Editor that will create 96 byte files for you. Refer to the ATB Online Business EFT Editor User Guide for details and instructions.

Logical record types The ATB 96 byte format uses four record types: 1. Logical record type A—provides the file identification and control information and must be the first logical record in each file. 2. Logical record type C—records direct deposit credit data. 3. Logical record type D—records pre-authorized debit data. 4. Logical record type Z—provides control totals and must be the last logical record in each file.

Logical records composition All files must contain a logical record type A and a logical record type Z. Each type C or D logical record should contain the information necessary to describe one transaction. The space required to record the pertinent data for any one transaction must be contained in a single segment of a logical record. All segments in the record should have the same length and format.

96 byte logical record types in detail Logical record type A—header record Type A logical records must provide file identification and control information. The first logical record in each file must be type A, and this type must not occur again within the file. All data elements are mandatory and must be valid or the file will be rejected. Header record A Field name


Data length

Format type

Transaction type

1-1

1

1

Alphanumeric Header record “A”

EFT ID

2-6

9

5

Numeric

Customer number assigned by ATB (fixed length)

Customer file number

7-10

14

4

Numeric

0001-9999 (fixed length, right justified with leading zeros)

File creation date

11-16

14

6

Numeric

Use format DDMMYY


Comment

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Customer long name

17-46

8

30

Alphanumeric Customer name (left justified, remainder is space filled)

Currency indicator

47-49

14

3

Alphanumeric CAD or USD (fixed length)

Filler

50-96

8

47


Logical record type C—detail record The type C logical record provides direct deposit data. Each record contains record identification for one transaction segment. Each record describes one direct deposit item (96 bytes each).

Logical record type D—detail record The type D logical record provides pre-authorized debit data. Each record contains record identification for one transaction segment. Each record describes one pre-authorized debit item (96 bytes each). Detail record (C or D) Field name

Character Data position length

Format type

Transaction type

1

1

Alphanumeric C or D

Transaction code

2–4

3

Numeric

CPA code

Due date

5–10

6

Numeric

Use format DDMMYY

Receiver name

11–40

30

Alphanumeric Payor/payee name (left justified, remainder is space filled)

Receiver bank number

41–43

3

Numeric

Institution bank number (fixed length)

Receiver branch number

44–48

5

Numeric

Institution branch number (fixed length)

Receiver account number

49–60

12

Alphanumeric Account number (left justified, remainder is space filled)

Amount

61–70

10

Numeric

Cross reference

71–89

19

Alphanumeric Left justified, remainder is space filled

Filler

90–96

7



Comment

Two implied decimals (fixed length, right justified with leading zeros)

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Logical record type Z—trailer record The type Z logical record provides control totals independent of those contained in external labels. The last logical record in each data file must be type Z. Trailer record Z Field name

Character Data position length

Format type

Transaction type

1

1

Alphanumeric Z

EFT ID

2–6

5

Numeric

Customer number assigned by ATB (fixed length)


7–10

4

Numeric

0001-9999 (fixed length, right justified with leading zeros)

File creation date

11–16

6

Numeric

Use format DDMMYY. Must match Header record EFT ID or file is rejected.

Total debit amount

17–30

14

Numeric

Total value of debit transactions (two implied decimals, fixed length, right justified with leading zeros)

Total debit count

31–38

8

Numeric

Total number of debit transactions (fixed length, right justified with leading zeros)

Total credit amount

39–52

14

Numeric

Total value of credit transactions (two implied decimals, fixed length, right justified with leading zeros)

Total credit count

53–60

8

Numeric

Total number of credit transactions (fixed length,right justified with leading zeros)

Filler

61–96

36



Comment

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ATB CSV file format The CSV File format is similar to the ATB 96 byte format except it only contains detail records (DR/CR records). There are no header or trailer records. Though there is a detailed file order, you may change this using the Field Order pick list in the import screen.

CSV file layout default order Field name

Default Data Maximum Contents order type length

Debit/credit

1–1

1

1

Alphanumeric A

Indicator

1

AN

1

Required

C or D

Transaction code

2

N

3

Required

CPA code

Amount

3

N

10

Required

Two implied decimals

Due date

4

AN

6

Required

Use format DDMMYY

Sundry data

5

AN

15

Optional

Receiver name

6

AN

30

Required

Cross reference

7

AN

16

Optional


8

AN

3

Required

Receiver transit number

9

AN

5

Required


10

AN

12

Required


Comment

Five digit branch transit number (five digits are mandatory even if the transit begins with a zero)

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Appendix B—EFT file validations CPA 1464 byte file validations Under no circumstances should a line feed character be used to delimit records, either by itself or in conjunction with a carriage return character. Each record must be 1464 bytes in length. Text file rules stipulate that: • Numeric fields must always: ›› be right justified with leading zeros. ›› be of fixed lengths. • Alphanumeric fields must always: ›› be left justified with the remainder space filled. Logical record type A—header record Data element name

Format

Position Required or optional

Validations

Logical record type ID Alphanumeric 1

Required

Must be type A or the file is rejected.

Logical record count

Numeric

2–10

Required

Must always be ‘000000001’ or the file is rejected.

Originator’s ID

Numeric

11–20

Required

Data centre number (five digits, for ATB use 21990) and EFT ID (five digits). The data centre number in the imported file must be 21990 or the file is rejected. The EFT ID provided in the import file must be valid or the file is rejected.

File creation number

Numeric

21–24

Required

Must be greater than 0000 or file is rejected.

Creation date

Numeric

25–30

Required

Must be Julian calendar date or file is rejected.

Destination data centre

Numeric

31–35

Required

Must be 21990 or file is rejected.

Reserved customer

Alphanumeric 36–55

Required

Must be space filled or file is rejected.

Currency code identifier


Required

Must be CAD or USD or file is rejected.

Filler


Required



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Logical record type C and/or D—detail record Data element name

Format


Validations

Logical record type ID Alphanumeric 1

Required

Must be type C or D or the file is rejected.


Numeric

2–10

Required

Must be sequential (one greater than the previous record) or file is rejected.

Origination control data

Numeric

11–24

Required

Data must match header A record or the file is rejected (21990=ATB Data Centre, E=EFT ID number, F=file creation number).

Transaction type

Numeric

25–27

Required

Must be a valid CPA code or item is returned.

Amount

Numeric

28–37

Required

Must be greater than $0 or item is returned.

Date funds to be available/due date

Numeric

38–43

Required

Must be Julian calendar date or item is returned.

Institutional ID number

Numeric

44–52

Required

Must be a valid Institution Number and Transit Number (0IIITTTTT ) or item is returned.

Payee/payer account number


Required

Must be alphanumeric or item is returned.

Item trace number

Numeric

65–86

Required

Must have numeric values or be zero filled otherwise the file is rejected.

Stored transaction type


Required

Must be zero filled or item is returned.

Originator's short name


Required


Payee/payer name


Required


Originator's long name


Required


Originating/direct clearing user's ID


Optional

Must be alphanumeric or space filled otherwise item is returned.

Originator's cross reference number


Optional


Institutional ID number for returns/ original institutional ID number

Numeric

194–202 Required


Must be 0219TTTTT or file is rejected.

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Account number for returns/original account number


Required

Must be alphanumeric or file is rejected.

Originator's sundry information


Optional

Must be alphanumeric or space filled.

Filler


Optional


Originator—direct clearer settlement code

Alphanumeric 252–253 Optional


Invalid data element ID

Numeric

254–264 Optional

Must be zero filled or file is rejected.


Validations

Logical record type Z—trailer record Data element name

Format

Logical record type ID=Z

Alphanumeric 1

Required

Must be Z or file is rejected.


Numeric

Required

Must be one greater than the previous record count or the file is rejected.

Origination control data


Required

Data must match header A record of file is rejected (21990=ATB Data Centre, E=EFT ID number, F=file creation number).

Total value of debit transactions

Numeric

25–38

Required

Totals must be accurate or file is rejected. Zero fill if no transactions.

Total number of debit transactions

Numeric

39–46

Required


Total value of credit transactions

Numeric

47–60

Required


Total number of credit Numeric transactions

61–68

Required


Required


Filler

2–10



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ATB 96 byte file validations Under no circumstances should a line feed character be used to delimit records, either by itself or in conjunction with a carriage return character. Each record length must be 96 bytes in length. Text file rules stipulate that: • Numeric fields must always: ›› be right justified with leading zeros. ›› be of fixed lengths. • Alphanumeric fields must always be left justified with the remainder space filled. Header record (A) Field name

Format


Validations

Transaction type

Alphanumeric 1–1

Required

Must be logical record type A or the file is rejected.

EFT ID

Numeric

2–6

Required

Must be a valid EFT ID or file is rejected.


Numeric

7–10

Required

Must be greater than 0 or file is rejected.

File creation date

Numeric

11–16

Required

Must be a valid date format or file is rejected.

Customer long name


Optional


Currency indicator


Required

Must be either CAD or USD or file is rejected.

Filler


Required


Currency code identifier

Alphanumeric 56 – 58

Required

Must be either CAD or USD or file is rejected.

Filler


Required


Detail record (C or D) Field name

Format


Transaction type

Alphanumeric 1–1

Required


Transaction code

Numeric

2–4

Required


Due date

Numeric

5–10

Required

Must be a valid date format or the file is rejected.

Receiver name


Required



Validations

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Numeric

41–43

Required

Must be a valid institution number or item is returned.

Receiver branch number

Numeric

44–48

Required

Must be a valid five digit transit number or item is returned.


Numeric

49–60

Required


Amount

Numeric

61–70

Required

Must be greater than $0 with two implied decimals or item is returned

Cross-reference


Optional


Filler


Required


Trailer record (Z) Field name

Format


Transaction type

Alphanumeric 1–1

Required

Must be type Z or the file is rejected.

EFT ID

Numeric

2–6

Required

Customer number assigned by ATB should match header record EFT ID or the file is rejected.

Customer file number Numeric

7–10

Required

0001-9999 and should match header record EFT ID or the file is rejected.

File creation date

Numeric

11–16

Required

Use format DDMMYY. Should match header record EFT ID or the file is rejected.

Total debit amount

Numeric

17–30

Required

Total must be accurate or the file is rejected. Zero fill if no transactions.

Total debit count

Numeric

31–38

Required


Total credit amount

Numeric

39–52

Required


Total credit count

Numeric

53–60

Required


Filler


Required



Validations

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ATB CSV file validations CSV file rules stipulate that: • All fields are maximum lengths. • All fields are separated by a comma. Field name

Format

Maximum Required Validations length or optional

Debit/credit indicator Alphanumeric 1

Required


Transaction code

Numeric

3

Required


Amount

Numeric

10

Required

Must be greater than $0 with two implied decimals or item is returned.

Due date

Alphanumeric 6

Required

Must be a valid date format or file is rejected.

Sundry data

Alphanumeric 15

Optional


Receiver name

Alphanumeric 30

Required


Cross reference

Alphanumeric 16

Optional



Alphanumeric 3

Required

Must be a valid bank number and three digits or item is returned.

Receiver transit number

Alphanumeric 5

Required

Must be a valid transit number and five digits or item is returned.


Alphanumeric 12

Required



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Appendix C—EFT file and item status File level status descriptions File status

Description

Preparing

A newly created file that hasn’t been released. Work in process at this stage. Displays in “Prepared” screen.

Scheduled

File to be released in sequencing order.

Cancelled

When you delete a file in the “Prepared” screen, it’s given a status of “Cancelled” and the file is not submitted for processing. You can view the summary and detail information in the EFT History screen.

Pending approval

File has been released and is in the approval workflow process. Display only in “Pending” screen.

Approval failed due to approval expired

In the approval workflow, the file expired (we expire files after two months). Displays in “History” screen.

Approval failed due to approval rejected

In the approval workflow, the file was rejected by an approver. Displays in “History” screen.

Approved

File fully approved and waiting to be sent. Displays in “Pending” screen. Approved files are immediately put in a queue to be sent to the backend. You will rarely see this status since EFTs should be sent five minutes after they are approved.

Failed

File fully approved, tried to send for processing but has a submission error or other limiting factor. Displays in “History Summary” screen with “Status=Failed” and when you drill down to see details, the details screen displays “Failed—Error occurred submitting your file. Please contact ATB to confirm receipt of file.”

Submitted

File fully approved, sent for processing, but payment order hasn’t been created yet. Displays in “History” screen.

Awaiting processing

File has been sent for processing and passed initial validation checks. Displays in “History” screen.

Processing

File has been received and some items have processed, but others are still waiting to be processed. Displays in “History” screen.

Processed

All items in the file have been processed by ATB either by sending the item to the external financial institution or internally processing the EFT item request. Displays in “History” screen.

Rejected

File has been sent for processing and didn’t pass initial validation checks. Displays in “History Summary” screen with “Status=Rejected” and when you drill down, the details screen displays both the status and a description of the reason.

Recalled

File was recalled by the customer when file was awaiting processing and ATB’s system could recall the entire file. Displays in “History” screen.


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Item level status descriptions Item Status

Description

Processing

Item is waiting to be processed. Displays in “History” screen.

Processed

Item has been sent to other financial institution or has been internally processed. Once an item has left ATB (been exchanged) it’s considered processed. Displays in “History” screen.

Returned

Item has been returned. May have been returned due to user recalling the item, ATB internally rejecting/returning the item or other financial institution rejecting/ returning the item. Displays in “History” screen and “Returns” screens.

Reversed

Item has been reversed. Displays in “History” screen.

Represented

Item has been represented by user or by auto-representment process.

Auto-representment scheduled

Items scheduled to be represented by an automated process.

Recalled

Item has not left ATB or been internally processed and recall has been requested. Once completed, this item will eventually become a returned item. Displays in “History” screen.

Cancelled

File has been recalled or rejected, so items are cancelled. Displays in “History” screen.


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Appendix D—CPA transaction codes Item Level Codes 1

Payroll 200 Payroll deposit PAY/PAY 201 Special payroll 202 Vacation payroll 203 Overtime payroll 204 Advance payroll 205 Commission payroll 206 Bonus payroll 207 Adjustment payroll

2

Investments 230 Pension PEN/PEN 231 Federal pension 232 Provincial pension 233 Private pension 240 Annuity ANN/REN 250 Dividend DIV/DVD 251 Common dividend 252 Preferred dividend 260 Investment INV/PLA 261 Mutual funds MTF/FMU 265 Spousal RSP contribution SRP/RDC 266 RESP contribution REP/REE 271 RSP contribution RSP/RER 272 Retirement income fund RIF/FRR 273 Tax free savings account TFS/CLI 274 RDSP contribution RDP/REI 280 Interest INT/INT 281 Lottery prize payment LPP/PDL


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3

Insurance 330 Insurance INS/ASS 331 Life insurance 332 Auto insurance 333 Property insurance 334 Casualty insurance 335 Mortgage insurance 336 Health/dental claim insurance HDC/SDR

4

Loans 350 Loans LNS/PRE 351 Personal loans 352 Dealer plan loans 353 Farm improvement loans 354 Home improvement loans 355 Term loans 356 Insurance loans 370 Mortgage MTG/HYP 371 Residential mortgage 372 Commercial mortgage 373 Farm mortgage

5

Taxes 380 Taxes TAX/TAX 381 Income taxes 382 Sales taxes 383 Corporate taxes 384 School taxes 385 Property taxes 386 Water taxes


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6

Rent 400 Rent/leases RLS/LOY 401 Residential rent/leases 402 Commercial rent/leases 403 Equipment rent/leases 404 Automobile rent/leases 405 Appliance rent/leases

7

Cash management 420 Cash management CMS/GES

8

Payments 430 Bill payment BPY/FAC 431 Telephone bill payment 432 Gasoline bill payment 433 Hydro bill payment 434 Cable bill payment 435 Fuel bill payment 436 Utility bill payment 437 Internet access payment IAP/PAI 438 Water bill payment WBP/CE 439 Auto payment APY/PAA 450 Misc. payments MSP/DIV 451 Customer cheques CCQ/CHP 452 Expense payment EXP/RDD 460 Accounts payable AP/CC 470 Fees/dues FEE/FRA 480 Donations DON/DON


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9

Business PADs 700 Business PAD BUS/ENT 701 Commercial investments CIV/PLE 702 Commercial insurance CIN/ASE 703 Commercial auto insurance CAI/AUE 704 Commercial property insurance CPI/ABE 705 Commercial casualty insurance CCI/ARE 706 Commercial mortgage insurance CMI/AHE 707 Commercial loans CLN/PEE 708 Commercial mortgage CMG/HYE 709 Commercial taxes CTX/TXE 710 Commercial income taxes CIT/IRE 711 Commercial sales taxes CSL/TVE 712 Commercial GST CGT/TPE 713 Commercial property taxes CPT/TFE 714 Commercial rent/lease CRL/LBE 715 Commercial equipment rent/lease CRL/LBE 716 Commercial automobile rent/lease CAR/LAE 717 Commercial cash management CCM/GEE 718 Commercial bill payment CBP/PFE 719 Commercial telephone bill payment CTB/PTE 720 Commercial gasoline bill payment CGB/ESE 721 Commercial hydro bill payment CHB/ELE 722 Commercial cable bill payment CCB/PCE 723 Commercial fuel bill payment CFB/CBE 724 Commercial utility bill payment CUB/UPE 725 Commercial Internet bill payment CIB/AIE 726 Commercial water bill payment CWB/CEE 727 Commercial auto payment CAB/PAE 728 Commercial expense payment CEP/RDE 729 Commercial accounts payable CAP/CDE 730 Commercial fees/dues CFD/FRE 731 Commercial Creditor Insurance CRI/ARC


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10

Returns 900 Edit reject REJ/REV 901 NSF (debit only) NSF/DSP 902 Account not found CNT/ITV 903 Payment stopped/recalled STP/ARR 905 Account closed CLS/FER 907 No debit allowed NCP/PPC 908 Funds not cleared (debit only) FNC/FNL 909 Currency/account mismatch WCU/MDC 910 Payer/payee deceased DEC/DEC 911 Account frozen FZN/BLQ 912 Invalid/incorrect account number INA/INV 914 Incorrect payer/payee name INP/NOM 915 No agreement existed (debit only) ANP/NOG 916 Not according to agreement—personal NCA/ACP (debit only) 917 Agreement revoked—personal ARP/AGP (debit only) 918 No confirmation/pre-notification—personal PNP/PRP (debit only) 919 Not according to agreement—business NCE/ACB (debit only) 920 Agreement revoked—business ARE/AGB (debit only) 921 No confirmation/pre-notification—business PNE/PRB (debit only) 922 Customer initiated return REC/CIR (credit only)


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Appendix E—Julian calendar dates Julian calendar non-leap year The Julian calendars are read by selecting a date from the row and a month from the column. They will always appear in the format of 0YYDDD. For example, May 30, 2007 reads as 007150. Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

Jan 001 002 003 004 005 006 007 008 009 010 011 012 013 014 015 016 017 018 019 020 021 022 023 024 025 026 027 028 029 030 031

Feb 032 033 034 035 036 037 038 039 040 041 042 043 044 045 046 047 048 049 050 051 052 053 054 055 056 057 058 059

Mar 060 061 062 063 064 065 066 067 068 069 070 071 072 073 074 075 076 077 078 079 080 081 082 083 084 085 086 087 088 089 090

Apr 091 092 093 094 095 096 097 098 099 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120

May 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151


Jun 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181

Jul 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212

Aug 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243

Sept 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273

Oct 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304

Nov 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334

Dec 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365

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Julian calendar leap year Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

Jan 001 002 003 004 005 006 007 008 009 010 011 012 013 014 015 016 017 018 019 020 021 022 023 024 025 026 027 028 029 030 031

Feb 032 033 034 035 036 037 038 039 040 041 042 043 044 045 046 047 048 049 050 051 052 053 054 055 056 057 058 059 060

Mar 061 062 063 064 065 066 067 068 069 070 071 072 073 074 075 076 077 078 079 080 081 082 083 084 085 086 087 088 089 090 091

Apr 092 093 094 095 096 097 098 099 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121

May 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152


Jun 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182

Jul 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213

Aug 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244

Sept 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274

Oct 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305

Nov 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335

Dec 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366

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Appendix F—data element dictionary Account number for returns: length 12, alphanumeric, logical record types C and D Bank account number where all returned funds will be deposited. The return account must be an ATB account. If this field is space filled or invalid, returns will be posted to your EFT funding account. Amount: length 10, numeric, logical record type C and D The value of each transaction in dollars with two implied decimals. This data element must be greater than zero, or the transaction will be rejected. An invalid amount may cause the file to become out of balance, which may also cause the entire file to be rejected. Creation date, length six, numeric, logical record type A The creation date of the file should be in Julian calendar date format 0YYDDD where: • 0 = numeric zero • YY = last two digits of the year • DDD = day number within the year If the creation date is invalid according to this format, the file will be rejected. Date funds to be available: length six, numeric, logical record types C and D The date when funds are available to the payer/payee. The format of this date element is in Julian calendar format 0YYDDD. If the date does not follow the format above, the file will be rejected. If the date the funds are to be available is post-dated more than 60 days after the creation date, the item will be rejected. If the date the funds are to be available it pre-dated more than 30 days before the creation date, the transaction will be rejected. File creation number: length four, numeric, logical record type A Controls to ensure that all files you create are sequential. This data element must be increased by one each time a file is created. Number will roll over from 9999 to 0001. If the file creation number is duplicated, and all items in the file are the same, the file will be rejected. Filler: various sizes, alphanumeric, all logical record types An area reserved for future use. Must be space filled. Institutional ID number for returns: length nine, numeric, logical record types C and D Bank account number where all returned funds will be deposited. Return account must be at ATB. If not used, field must be zero filled. This element is formatted as 0219TTTTT, where:


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• 0 = constant zero • 219 = ATB Institution number • T = your branch transit number If this number is invalid, returns will be posted to your EFT funding account. Invalid data element: length 11, numeric, logical record types C and D This data element is for ATB Financial use only and must be zero filled. Item trace number: length 22, numeric, logical record types C and D This data element is a unique identification number that you assign to each transaction to facilitate tracing. The item trace number, which you assign before forwarding to ATB, can be used in any subsequent reference to that transaction. Item Trace Number is formatted as 219921990FFFFEEEEERRRRR where: • 2199 = ATB Document Processing Centre ID number. • 21990 = ATB Data Centre ID number. • F = Your four digit file creation number. • E = Your five digit EFT ID number. • R = A four digit sequential number of the transactions in the file, each being one greater than the trace number of the previous transaction. If the item trace number is not used, you must zero fill the field length or the file will be rejected. Logical record count: length 9, numeric, logical record types A, C, D and Z A control used to ensure that no records are missing on the file. Logical record type A must have a value of 000000001 or the file will be rejected. All subsequent records must have a value of exactly one greater than the logical record count of the previous logical record or the file will be rejected. Logical record type: length one, alphanumeric, logical record types A, C, D and Z A control used to identify the logical record type and must be: • A = header record—type A • C = detail record—type C • D = detail record—type D • Z = trailer record—type Z If invalid, the file will be rejected.


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Originator direct clearer’s settlement code: length two, alphanumeric, logical record types C and D This data element is for ATB Financial use only and must be space filled. Origination control data: length 14, alphanumeric, logical record types C, D and Z Your EFT ID and file creation number as contained in data elements 03 in the header record. The format is 21990EEEEEFFFF, where: • 21990 = ATB Data Centre ID number • E = Your five digit EFT ID number • F = Your four digit file creation number If invalid, the file will be rejected. Originator direct clearer settlement code: length two, alphanumeric, logical record types C and D This data element is for ATB Financial use only and must be space filled. Originator’s cross reference: length 19, alphanumeric, logical record types C and D Data element that you can use (for example, employee number, policy number, etc.) If unused, length must be space filled. Originator’s ID: length 10, alphanumeric, logical record type A Your customer number, which identifies you as the originator of the file. The format is 21990EEEEE, where: • 21990 = ATB Data Centre • E = Your EFT number If invalid, the file will be rejected. Originator’s long name: length 30, alphanumeric, logical record types C and D Your name, as the originator of the transaction, abbreviated to data element size where necessary. ATB Financial has the option of using this name or the originator’s short name when identifying you to your payee/payer. If this information is missing, the file is rejected. Originator’s short name: length 15, alphanumeric, logical record types C and D Your name, as the originator of the transaction, abbreviated to data element size where necessary. ATB Financial has the option of using this name or the originator’s long name when identifying you to your payee/payer. If this information is missing, the file is rejected.


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Originator’s sundry information: length 15, alphanumeric, logical record types C and D This data element can be used to further identify your transactions, for example, pay period, dividend issue, billing period. If unused, length must be space filled. Payer/payee account number: length 12, alphanumeric, logical record types C and D Account number of the payee at the financial institution where funds are to be debited/credited. The account number may have embedded blanks and/or dashes and need not be included. If this data element is absent, the transaction will be rejected. Payer/payee name: length 30, alphanumeric, logical record types C and D The name of the payor/payee whose account is to be debited/credited. If this data element is absent, the transaction will be rejected. Reserved customer: length 20, alphanumeric, logical record type A This data element is for ATB Financial use only and must be space filled. Stored transaction type: length three, numeric, logical record types C and D This data element is for ATB Financial use only and must be space filled. Total number of credit transactions: length eight, numeric, logical record type Z This is the total number of credit transactions contained in the file, whether or not the transactions are valid. This data element must be zero filled if the file contains no logical record type C transactions. If the contents of this data element don’t equal the number of credit transactions in the file, it will be rejected. Total number of debit transactions: length eight, numeric, logical record type Z This is the total number of debit transactions contained in the file, whether or not the transactions are valid. This data element must be zero filled if the file contains no logical record type D transactions. If the contents of this data element don’t equal the number of debit transactions in the file, it will be rejected. Total value of credit transactions: length 14, numeric, logical record type Z The total value of all credit transactions contained in the file in the logical record type C, whether or not the transactions are valid. Assumes two implied decimal places. This data element must be zero filled if the file contains no logical record type C transactions. If the contents of this data element don’t equal the number of credit transactions in the file, it will be rejected.


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Total value of debit transactions: length 14, numeric, logical record type Z The total value of all debit transactions contained in the file in the logical record type D, whether or not the transactions are valid. Assumes two implied decimal places. This data element must be zero filled if the file contains no logical record type D transactions. If the contents of this data element don’t equal the number of debit transactions in the file, it will be rejected. Transaction type: length three, numeric, logical record type C and D This data element enables you to identify the type of transaction and ATB Financial passes on the transaction type to your payer/payee. If the transaction type is invalid, the transaction will be rejected.


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Appendix G—file reject and return reasons ATB Online file reject reasons ATB Online file summary screen Customer test file Customer/internal recall requested Duplicate file received File format incorrect File header format incorrect File trailer format incorrect File sequence number Funding account locked Funding account invalid Funding account closed Invalid EFT ID Liquidity limit exceeded No funding available Invalid currency Unauthorized debit/credit permission

ATB Online item return reason code descriptions Reason field displayed on EFT returned summary screen 900 Edit reject 901 NSF (debit only) 902 Account not found 903 Payment stopped/recalled 905 Account closed 907 No debit allowed 908 Funds not cleared (debit only) 909 Currency/account mismatch 910 Payer/payee deceased 911 Account frozen 912 Invalid/incorrect account number


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914 Incorrect payer/payee name 915 No agreement existed (debit only) 916 Not according to agreement—personal (debit only) 917 Agreement revoked—personal (debit only) 918 No confirmation/pre-notification—personal (debit only) 919 Not according to agreement—business (debit only) 920 Agreement revoked – business (debit only) 921 No confirmation/pre-notification—business (debit only) 922 Customer initiated return (credit only)

ATB Online item return invalid data elements 1

Invalid logical record type ID

2

Invalid logical record count

3

Invalid originator control data

4

Invalid transaction type

5

Invalid amount

6

Invalid date funds available

7

Invalid institutional ID number

8*

Invalid payee/payer account number

9

Invalid item trace number

10

Invalid stored transaction type

11

Invalid originator's short name

12

Invalid payee/payer name

13

Invalid originator's long name

14

Invalid originating direct clearer's user ID

15

Invalid originator's cross reference number

16

Invalid institution ID number for returns/original institutional ID number

17

Invalid account number for returns/original account number

18

Invalid originator's sundry information

19

Invalid original item trace number

20

Invalid originator-direct clearer settlement code

21

Invalid data element ID

60

Original cannot be found error correction/returned transaction


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ATB Online Business

61

Duplicate error correction/returned transaction

62

Originating direct clearer in default

*For internal returns only, two reasons (seven and eight) are combined and the description is “Invalid institutional ID number/payee/payor account number.”


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Appendix H—how to read a cheque


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ATB Online Business

Appendix I—pre-authorized debits Sample pre-authorized debit agreements The CPA mandates that certain elements must appear on your pre-authorized debit agreement. You must submit a sample template for ATB to approve prior to your EFT service being activated. Please refer to the CPA website (specifically the “Pre-authorized debits; a guide for billers”) for complete details on your obligations (CPA Rule H1).


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Appendix J—file types and receiver types The following table shows the EFT file types along with the receivers allowed for each file type. You will need this information when you create templates or manually create EFT files. When you’re entering information to create an EFT file, the receiver column heading will change depending on the file type you choose. For example, if the file type is “Salaries,” the receiver column heading will be “Employee.” Chosen file type

Receiver types allowed

Screen column heading displayed

Default debit/credit

Salaries

Employee

Employee

Credit

Receivables

Customer

Customer

Debit

Payables

Supplier

Supplier

Credit

Mixed

All receivers are allowed: Receiver employee, customer and supplier


No default

78

EFT file formats

EFT file formats

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